Buying Life Insurance
Why Does the Same $500,000 Policy Cost Different Amounts From Different Companies?
You run a few quotes for the same coverage, a half-million dollars of 20-year term, and the numbers come back all…
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Term life insurance that's simple, affordable, and built for how you live today. Coverage from $100K to $10M.
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- Coverage from $100K to $10M
- No medical exam needed
- Instant decision available
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How It Works
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No paperwork. No waiting rooms. No hassle.
1
Answer a few questions
Tell us about yourself — age, health basics, and how much coverage you need. Takes about 2 minutes.
2
Get an instant quote
See your personalized rate immediately. No surprises, no hidden fees.
3
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Your policy CAN start the same day.
Family Coverage
$500,000
20-year term · $18/mo
You save
up to 40%
vs. permanent insurance
*Sample quote for a 40-year-old male, non-smoker. Your rate may vary.
*Term insurance is a much more affordable option compared to permanent insurance.
*Term insurance is a much more affordable option compared to permanent insurance.
Why TermHero
Insurance that actually
makes sense.
We cut out the middlemen and paperwork to deliver straightforward term life insurance at a price you can afford. No agent calls. No meetings. Just a simple online application.
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No medical exam Most applicants qualify without the need for an insurance exam
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Locked-in rates Your premium never increases during your term
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Coverage up to $10M Choose the amount that's right for your family
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We never sell your data No spam calls, no third-party sharing. That's our promise.
Coverage Guide
How much coverage do you need?
The right amount depends on your life stage. Here's a quick guide to help you think about it.
Just Married
Cover shared debts, your mortgage, and give your partner a safety net while they adjust.
- Mortgage protection
- Shared debt coverage
- Income replacement
Most Common
Growing Family
Kids change everything. Make sure their future is secure — college, childcare, and everyday expenses.
- Childcare & education
- Mortgage & living costs
- 10–15 years income replacement
Homeowner
Don't leave your family with a mortgage they can't afford. Match your coverage to your remaining balance.
- Full mortgage payoff
- Property taxes & upkeep
- Outstanding debts
Free Tool
Not sure how much coverage you need?
Our free calculator estimates the right amount of life insurance based on your income, debts, and family size. It takes less than a minute.
- Personalized recommendation
- See a full breakdown of the math
- 100% private �?? nothing is stored
Our privacy promise
We will never sell your data or share your information with third parties. When you check your price, nobody will call you, email you, or knock on your door. You're in control — always.
Testimonials
Trusted by thousands of families
FAQ
Common questions
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What is term life
insurance?
Term life insurance provides coverage for a specific period (or "term") — typically 10, 15, 20, or 30 years. If you pass away during that term, your beneficiaries receive a tax-free death benefit. It's the most affordable type of life insurance and the most straightforward.
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How much coverage do I
need?
A common rule of thumb is 10–12 times your annual income. But it depends on your situation — consider your mortgage, debts, childcare costs, and how many years your family would need support. Our calculator can help you find the right amount.
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Do I really not need a medical
exam?
Most applicants qualify for coverage without a medical exam. We use data-driven underwriting to assess your health based on a few simple questions. Some higher coverage amounts may require additional health information.
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Can I cancel my policy?
Yes, you can cancel your policy at any time with no penalties or cancellation fees. You also get a 30-day free look period after your policy is issued — if you change your mind, you'll get a full refund.
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How fast can I get
covered?
Many applicants receive an instant decision and can have coverage in place the same day they apply. The entire process takes about 5 minutes from start to finish.
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If agents can't change the price, what does TermHero actually do for me?
We find the right match. Carriers underwrite health and lifestyle differently, so the company that classifies you as Standard might cost noticeably more than the one that classifies the same person as Preferred. Our job is to compare top-rated carriers and place you with the one that gives your situation the best coverage at the best price. The savings come from the match, not from a discount.
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Will my rate ever
increase?
No. Your rate is locked in for the entire length of your term. If you choose a 20-year term, you'll pay the same amount every month for all 20 years.
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Can I get a better price on the same policy by shopping around with different agents?
No. Life insurance premiums are filed with and approved by each state, so the same policy from the same carrier costs the same no matter who sells it. Whether you buy from a friend, a family member, or another agency, the rate for your age, health class, gender, and state will be identical. No agent can discount it, and no one can get you a secret deal. Where shopping around does matter is across carriers: different companies price the same coverage very differently, which is exactly what we help you compare.
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